We believe that investors generally find themselves in one of three specific investment phases during their life; wealth accumulation, wealth preservation or income distribution. Our complete understanding of which phase each client is in, and what their financial goals and risk tolerances are, is essential to structuring each client portfolio appropriately under the Customized Portfolio Management (CPM) services we provide. In order to develop and maintain that understanding we meet with clients both initially, and on a regular basis for portfolio reviews, and utilize technology that allows our clients to better understand the risk and reward potential of each account.
We further believe that the key to successful investing lies in establishing and adhering to a solid long term investment plan, and that proper asset allocation and diversification across multiple asset classes can optimize the risk and potential return of a client’s portfolio. Our investment process relies upon in-depth fundamental research and technical analysis to actively select securities for client accounts. Within each investment category we select individual securities with characteristics that are most consistent with the client’s objectives, risk tolerance, and tax considerations.